Golden State Bank
Total assets
$1.00B
▲ +8.9% YoY
Deposits
$856.6M
▲ +8.6% YoY
Loans
$846.8M
▲ +9.3% YoY
Offices
3
GOLDEN STATE BCORP
ROA (annualized)
1.26%
peers 1.26%
ROE (annualized)
11.63%
peers 12.17%
Peer comparison 887 banks with 1B-10B in assets
| Metric | Golden State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.9% | +5.5% | +3.5 pts |
| Deposit growth (YoY) | +8.6% | +5.1% | +3.5 pts |
| Loan growth (YoY) | +9.3% | +5.9% | +3.4 pts |
| ROA | 1.26% | 1.26% | -0.0 pts |
| ROE | 11.6% | 12.2% | -0.5 pts |
ROA ranks in the 50th percentile of its peer group · Q2 2026
Profile
- Established
- 2003
- Charter
- State
- Primary regulator
- FDIC
- Holding company
- GOLDEN STATE BCORP
- Specialization
- Commercial Lending Specialization
- Address
- 500 N Brand Blvd, Glendale, CA, 91203
- County
- Los Angeles
- Metro area
- Los Angeles-Long Beach-Anaheim, CA
- Offices
- 3
- FDIC cert #
- 57585
- RSSD ID
- 3224375
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.00B | $856.6M | $846.8M | $109.0M | $6.1M | 1.26% | 4.31% | 0.71% |
| Q1 2026 | $974.3M | $828.3M | $812.6M | $105.5M | $2.8M | 1.18% | 4.35% | 0.73% |
| Q4 2025 | $953.5M | $811.1M | $809.8M | $102.5M | $10.1M | 1.11% | 4.04% | 0.75% |
| Q3 2025 | $927.6M | $800.2M | $783.8M | $89.8M | $7.5M | 1.12% | 4.00% | 1.26% |
| Q2 2025 | $918.1M | $788.9M | $774.8M | $86.8M | $4.7M | 1.06% | 3.97% | 1.28% |
| Q1 2025 | $887.4M | $758.3M | $749.9M | $83.9M | $2.0M | 0.93% | 3.92% | 0.19% |
| Q4 2024 | $836.8M | $717.1M | $700.0M | $81.7M | $8.8M | 1.11% | 3.88% | 0.06% |
| Q3 2024 | $826.8M | $710.1M | $686.7M | $79.3M | $6.5M | 1.11% | 3.85% | 0.06% |
Loan mix (Q2 2026): real estate $699.8M · commercial $144.5M · consumer $0 · securities $500K
Ratio pack Q2 2026 · peer medians from 887 institutions
Profitability
| Ratio | Golden State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.26% | 1.26% | 50th | |
Return on equity Annualized net income ÷ equity or net worth | 11.6% | 12.2% | 47th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.31% | 3.70% | 81th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 58.2% | 59.0% | 47th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Golden State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Golden State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Golden State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Golden State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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